展品99.2
財政補助金
2021年第三季度
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漢諾威保險集團 |
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財政補助金 |
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目錄 |
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業務Descriptions. |
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金融Highlights. |
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合併財務報表 |
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收入Statements. |
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平衡Sheets. |
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GAAP承保業績 |
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Consolidated. |
5-7 |
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商用Lines. |
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Personal Lines. |
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投資 |
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淨投資收益和Yields.... |
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投資Portfolio. |
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固定Maturities...的信用質量和期限 |
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前25名企業及市政固定到期日控股... |
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營業收入與淨Income...的對賬 |
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其他信息 |
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非公認會計準則財務Measures.... |
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企業Information. |
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市場和股息Information.... |
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財務實力和債務Ratings.... |
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漢諾威保險集團 |
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陳述的基礎 |
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業務描述 |
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商業線路 |
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商業多重保險承保企業因其營業場所內發生的事故或經營過程中發生的事故(如銷售的產品造成的傷害)而承擔的第三方一般責任。它還為商業財產提供保險,如火災、風、冰雹、水損害(可能包括洪水)、盜竊和破壞造成的損害。 |
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商業汽車保險承保企業因人身傷害、第三人身體傷害、被保險人車輛的財產損失以及其他車輛和財產的財產損失而遭受的損失。商用汽車保單通常與其他商業保單一起撰寫。 |
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工人補償覆蓋範圍為僱主提供保險,使其免受因工傷而導致的僱員醫療和賠償索賠。工人補償政策通常是與其他商業政策一起制定的。 |
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其他商業航空公司由管理和專業責任組成,主要包括專業、管理和醫療責任,為可能因業績而被起訴的公司的董事、高級管理人員和其他員工提供保護,為公司和個人提供免於疏忽或不誠信的錯誤和遺漏保護,以及為僱傭行為責任提供保護;海運,包括內陸和海洋,為企業提供財產實物損失保險;漢諾威計劃,包括覆蓋與類似企業集團相關的有特殊保險或風險管理需求的市場;其中包括:專有工業和商業財產,為中小型化工、油漆、溶劑和其他製造和分銷公司提供保險;單一險種,一般責任,包括因銷售的產品、房舍內發生的事故或業務而造成的人身傷害、財產損失和人身傷害;擔保人,在發生違約或不付款索賠時,為企業提供合同保證;以及商業保證,為企業提供與受託義務或監管義務相關的商業保證,以及包括雨傘、保真度和犯罪在內的其他商業品種。 |
個人專線 |
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個人汽車保險承保個人因人身傷害、第三人身體傷害、被保險人車輛的財產損失以及其他車輛和其他財產的財產損失。 |
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房主保險為個人的住宅和個人財產損失提供保險,如火災、風、冰雹、水損害(不包括洪水)、盜竊和破壞,以及第三方責任索賠。 |
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其他個人保險包括個人雨傘、內陸海運(珠寶、藝術品等)、消防、私人船艇和其他各種保險。 |
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其他 |
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其他公司包括Opus,該公司為附屬公司提供投資諮詢服務,併為保險公司、退休計劃和基金會等獨立機構管理資產;控股公司資產的收益;控股公司和其他費用,以及已停產的自願財產和傷亡池業務。 |
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漢諾威保險集團 |
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財務亮點 |
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Q3 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
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9月-年初 |
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9月-年初 |
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(單位:百萬,不包括每股收益) |
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2020 |
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2020 |
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2021 |
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2021 |
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2021 |
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2020 |
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2021 |
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保費 |
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書面毛保費 |
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$ |
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1,406.1 |
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$ |
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1,235.5 |
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1,337.6 |
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1,342.8 |
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$ |
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1,493.2 |
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3,919.0 |
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$ |
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4,173.6 |
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承保的淨保費 |
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1,268.5 |
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1,112.1 |
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1,196.1 |
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1,207.2 |
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1,375.2 |
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3,486.4 |
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3,778.5 |
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淨保費收入 |
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1,135.4 |
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1,154.0 |
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1,161.8 |
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1,179.8 |
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1,186.0 |
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3,373.4 |
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3,527.6 |
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收益 |
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息税前營業收入 |
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$ |
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128.4 |
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$ |
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150.3 |
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$ |
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85.1 |
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$ |
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137.3 |
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$ |
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47.0 |
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334.4 |
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$ |
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269.4 |
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税後營業收入 |
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93.5 |
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112.0 |
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61.4 |
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104.0 |
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30.8 |
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243.0 |
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196.2 |
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持續經營收入 |
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119.5 |
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165.9 |
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92.8 |
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129.6 |
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34.8 |
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196.1 |
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257.2 |
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淨收入 |
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118.9 |
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164.6 |
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92.7 |
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128.5 |
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34.0 |
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194.1 |
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255.2 |
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每股數據(稀釋) |
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税後營業收入 |
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$ |
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2.46 |
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$ |
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3.02 |
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$ |
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1.66 |
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$ |
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2.85 |
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$ |
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0.85 |
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6.33 |
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$ |
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5.37 |
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持續經營收入 |
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3.14 |
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4.47 |
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2.52 |
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3.55 |
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0.96 |
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5.11 |
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7.04 |
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淨收入 |
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3.13 |
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4.43 |
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2.51 |
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3.52 |
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0.94 |
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5.05 |
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6.98 |
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稀釋加權平均流通股 |
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38.0 |
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37.1 |
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36.9 |
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36.5 |
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36.3 |
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38.4 |
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36.6 |
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基本加權平均流通股 |
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37.7 |
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36.7 |
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36.4 |
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35.9 |
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35.7 |
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38.0 |
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36.0 |
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資產負債表 |
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九月三十日 |
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12月31日 |
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3月31日 |
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6月30日 |
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九月三十日 |
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(單位為百萬,每股數據除外) |
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2020 |
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2020 |
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2021 |
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2021 |
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2021 |
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總資產 |
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$ |
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13,393.8 |
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$ |
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13,443.7 |
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$ |
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13,448.0 |
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$ |
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13,728.1 |
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$ |
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14,105.3 |
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總虧損和虧損調整費用準備金 |
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5,945.7 |
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6,024.0 |
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6,223.7 |
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6,343.4 |
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6,540.1 |
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股東權益總額 |
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3,155.0 |
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3,202.2 |
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3,046.8 |
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3,154.0 |
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3,102.3 |
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股東權益總額,不包括未實現淨增值 |
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(折舊)固定期限投資,税後淨額 |
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2,742.7 |
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2,774.1 |
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2,804.2 |
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2,849.3 |
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2,845.5 |
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財產和意外傷害公司 |
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法定盈餘 |
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$ |
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2,422.3 |
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$ |
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2,588.5 |
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$ |
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2,667.7 |
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$ |
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2,547.1 |
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$ |
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2,548.4 |
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溢價與盈餘比率 |
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1.90:1 |
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1.78:1 |
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1.75:1 |
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1.88:1 |
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1.92:1 |
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每股賬面價值 |
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$ |
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84.32 |
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$ |
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87.96 |
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$ |
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84.21 |
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$ |
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88.23 |
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$ |
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87.04 |
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每股賬面價值,不包括未實現淨增值 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(折舊)固定期限投資,税後淨額 |
|
$ |
|
73.30 |
|
|
$ |
|
76.20 |
|
|
$ |
|
77.50 |
|
|
$ |
|
79.71 |
|
|
|
|
$ |
|
79.84 |
|
|
|
|
|
|
|
|
|
|
每股有形賬面價值(不包括商譽的賬面總價值 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
和無形資產) |
|
$ |
|
79.03 |
|
|
$ |
|
82.55 |
|
|
$ |
|
78.78 |
|
|
$ |
|
82.76 |
|
|
|
|
$ |
|
81.54 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
流通股 |
|
|
|
37.4 |
|
|
|
|
36.4 |
|
|
|
|
36.2 |
|
|
|
|
35.8 |
|
|
|
|
|
|
35.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
債務/股本總額 |
|
|
|
24.7 |
% |
|
|
|
24.4 |
% |
|
|
|
25.6 |
% |
|
|
|
24.8 |
% |
|
|
|
|
|
25.2 |
% |
|
|
|
|
|
|
|
|
|
總債務/總資本 |
|
|
|
19.8 |
% |
|
|
|
19.6 |
% |
|
|
|
20.4 |
% |
|
|
|
19.9 |
% |
|
|
|
|
|
20.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
2
漢諾威保險集團 |
|
|||||||||||||||||||||||||||
合併損益表 |
|
|||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三個月 |
|
|
截至9月30日的9個月 |
|
||||||||||||||||||||||
(單位:百萬) |
|
|
2021 |
|
|
|
2020 |
|
|
%變化 |
|
|
|
2021 |
|
|
|
2020 |
|
|
%變化 |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的保費 |
|
$ |
|
1,186.0 |
|
|
$ |
|
1,135.4 |
|
|
|
4.5 |
|
|
$ |
|
3,527.6 |
|
|
$ |
|
3,373.4 |
|
|
|
4.6 |
|
淨投資收益 |
|
|
|
78.8 |
|
|
|
|
67.6 |
|
|
|
16.6 |
|
|
|
|
231.2 |
|
|
|
|
194.9 |
|
|
|
18.6 |
|
已實現和未實現投資淨收益(虧損): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
銷售和其他業務的淨已實現收益 |
|
|
|
3.6 |
|
|
|
|
8.2 |
|
|
N/M |
|
|
|
|
6.8 |
|
|
|
|
12.1 |
|
|
|
(43.8 |
) |
|
權益證券公允價值淨變動 |
|
|
|
0.3 |
|
|
|
|
30.3 |
|
|
|
(99.0 |
) |
|
|
|
65.9 |
|
|
|
|
(44.4 |
) |
|
N/M |
|
|
投資減值回收(損失) |
|
|
|
0.1 |
|
|
|
|
(0.8 |
) |
|
N/M |
|
|
|
|
(0.1 |
) |
|
|
|
(27.9 |
) |
|
N/M |
|
||
已實現和未實現投資淨收益(虧損)合計 |
|
|
|
4.0 |
|
|
|
|
37.7 |
|
|
|
(89.3 |
) |
|
|
|
72.6 |
|
|
|
|
(60.2 |
) |
|
N/M |
|
|
費用及其他收入 |
|
|
|
7.6 |
|
|
|
|
9.1 |
|
|
|
(16.5 |
) |
|
|
|
21.7 |
|
|
|
|
22.2 |
|
|
|
(2.3 |
) |
總收入 |
|
|
|
1,276.4 |
|
|
|
|
1,249.8 |
|
|
|
2.1 |
|
|
|
|
3,853.1 |
|
|
|
|
3,530.3 |
|
|
|
9.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和虧損調整費用 |
|
|
|
844.0 |
|
|
|
|
709.7 |
|
|
|
18.9 |
|
|
|
|
2,370.4 |
|
|
|
|
2,149.9 |
|
|
|
10.3 |
|
遞延收購成本攤銷 |
|
|
|
244.0 |
|
|
|
|
237.7 |
|
|
|
2.7 |
|
|
|
|
728.5 |
|
|
|
|
711.9 |
|
|
|
2.3 |
|
利息支出 |
|
|
|
8.5 |
|
|
|
|
9.8 |
|
|
|
(13.3 |
) |
|
|
|
25.5 |
|
|
|
|
28.6 |
|
|
|
(10.8 |
) |
償債損失 |
|
|
|
- |
|
|
|
|
6.1 |
|
|
N/M |
|
|
|
|
- |
|
|
|
|
6.2 |
|
|
N/M |
|
||
其他運營費用 |
|
|
|
137.4 |
|
|
|
|
137.9 |
|
|
|
(0.4 |
) |
|
|
|
412.2 |
|
|
|
|
395.9 |
|
|
|
4.1 |
|
總損失和費用 |
|
|
|
1,233.9 |
|
|
|
|
1,101.2 |
|
|
|
12.1 |
|
|
|
|
3,536.6 |
|
|
|
|
3,292.5 |
|
|
|
7.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前持續經營所得 |
|
|
|
42.5 |
|
|
|
|
148.6 |
|
|
|
(71.4 |
) |
|
|
|
316.5 |
|
|
|
|
237.8 |
|
|
N/M |
|
|
所得税費用 |
|
|
|
7.7 |
|
|
|
|
29.1 |
|
|
|
(73.5 |
) |
|
|
|
59.3 |
|
|
|
|
41.7 |
|
|
N/M |
|
|
|
|
|
\ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
持續經營收入 |
|
|
|
34.8 |
|
|
|
|
119.5 |
|
|
|
(70.9 |
) |
|
|
|
257.2 |
|
|
|
|
196.1 |
|
|
N/M |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停產業務(税後淨額): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停產壽險業務的虧損 |
|
|
|
(0.8 |
) |
|
|
|
(0.6 |
) |
|
|
33.3 |
|
|
|
|
(2.0 |
) |
|
|
|
(2.0 |
) |
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨收入 |
|
$ |
|
34.0 |
|
|
$ |
|
118.9 |
|
|
|
(71.4 |
) |
|
$ |
|
255.2 |
|
|
$ |
|
194.1 |
|
|
N/M |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3
漢諾威保險集團 |
|
|||||||||||||
綜合資產負債表 |
|
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
九月三十日 |
|
|
|
12月31日 |
|
|
|
|
|
||
(單位為百萬,每股數據除外) |
|
|
2021 |
|
|
|
2020 |
|
|
%變化 |
|
|||
資產 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
投資: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定到期日,按公允價值計算(攤銷成本分別為7400.4美元和6945.6美元) |
|
$ |
|
7,699.2 |
|
|
$ |
|
7,454.4 |
|
|
|
3.3 |
|
股權證券,按公允價值計算 |
|
|
|
615.5 |
|
|
|
|
598.5 |
|
|
|
2.8 |
|
其他投資 |
|
|
|
788.3 |
|
|
|
|
793.2 |
|
|
|
(0.6 |
) |
總投資 |
|
|
|
9,103.0 |
|
|
|
|
8,846.1 |
|
|
|
2.9 |
|
現金和現金等價物 |
|
|
|
171.2 |
|
|
|
|
120.6 |
|
|
|
42.0 |
|
應計投資收益 |
|
|
|
48.2 |
|
|
|
|
51.2 |
|
|
|
(5.9 |
) |
保費和應收賬款淨額 |
|
|
|
1,503.0 |
|
|
|
|
1,339.3 |
|
|
|
12.2 |
|
對已支付和未支付的損失以及未到期保費可追討的再保險 |
|
|
|
2,002.8 |
|
|
|
|
1,874.3 |
|
|
|
6.9 |
|
遞延收購成本 |
|
|
|
544.6 |
|
|
|
|
477.5 |
|
|
|
14.1 |
|
商譽 |
|
|
|
178.8 |
|
|
|
|
178.8 |
|
|
- |
|
|
其他資產 |
|
|
|
446.3 |
|
|
|
|
445.7 |
|
|
|
0.1 |
|
已停業業務的資產 |
|
|
|
107.4 |
|
|
|
|
110.2 |
|
|
|
(2.5 |
) |
總資產 |
|
$ |
|
14,105.3 |
|
|
$ |
|
13,443.7 |
|
|
|
4.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
負債和股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
負債 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和虧損調整費用準備金 |
|
$ |
|
6,540.1 |
|
|
$ |
|
6,024.0 |
|
|
|
8.6 |
|
未賺取的保費 |
|
|
|
2,742.0 |
|
|
|
|
2,482.7 |
|
|
|
10.4 |
|
應付費用和税款 |
|
|
|
679.8 |
|
|
|
|
687.5 |
|
|
|
(1.1 |
) |
遞延所得税負債 |
|
|
|
69.6 |
|
|
|
|
97.3 |
|
|
|
(28.5 |
) |
應付再保險費 |
|
|
|
68.1 |
|
|
|
|
48.4 |
|
|
|
40.7 |
|
債務 |
|
|
|
781.4 |
|
|
|
|
780.8 |
|
|
|
0.1 |
|
停業業務的負債 |
|
|
|
122.0 |
|
|
|
|
120.8 |
|
|
|
1.0 |
|
總負債 |
|
|
|
11,003.0 |
|
|
|
|
10,241.5 |
|
|
|
7.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
優先股,每股面值0.01美元; |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
授權發行2000萬股;未發行 |
|
|
|
- |
|
|
|
|
- |
|
|
- |
|
|
普通股,每股面值0.01美元;3.00億股 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
授權;已發行6050萬股 |
|
|
|
0.6 |
|
|
|
|
0.6 |
|
|
- |
|
|
額外實收資本 |
|
|
|
1,880.7 |
|
|
|
|
1,857.4 |
|
|
|
1.3 |
|
累計其他綜合收益 |
|
|
|
203.2 |
|
|
|
|
372.5 |
|
|
|
(45.4 |
) |
留存收益 |
|
|
|
2,846.7 |
|
|
|
|
2,668.0 |
|
|
|
6.7 |
|
按成本計算的庫存股(2,490萬股和2,410萬股) |
|
|
|
(1,828.9 |
) |
|
|
|
(1,696.3 |
) |
|
|
7.8 |
|
股東權益總額 |
|
|
|
3,102.3 |
|
|
|
|
3,202.2 |
|
|
|
(3.1 |
) |
總負債和股東權益 |
|
$ |
|
14,105.3 |
|
|
$ |
|
13,443.7 |
|
|
|
4.9 |
|
4
漢諾威保險集團 |
|
|||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
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整合 |
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截至9月30日的三個月 |
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2021 |
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2020 |
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商業廣告 |
|
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個人 |
|
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商業廣告 |
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個人 |
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||||
(單位:百萬,百分比數據除外) |
|
|
線條 |
|
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|
線條 |
|
|
|
|
其他 |
|
|
|
總計 |
|
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|
線條 |
|
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線條 |
|
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其他 |
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總計 |
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||||||||
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|
書面毛保費 |
|
$ |
|
928.3 |
|
|
$ |
|
564.9 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,493.2 |
|
|
$ |
|
884.7 |
|
|
$ |
|
521.4 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,406.1 |
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
承保的淨保費 |
|
$ |
|
826.8 |
|
|
$ |
|
548.4 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,375.2 |
|
|
$ |
|
760.5 |
|
|
$ |
|
508.0 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,268.5 |
|
|
|
|
|
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|
|
|
|
|
|
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|
|
|
|
|
|
淨保費收入 |
|
$ |
|
698.6 |
|
|
$ |
|
487.4 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,186.0 |
|
|
$ |
|
665.1 |
|
|
$ |
|
470.3 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,135.4 |
|
|
|
|
|
|
|
|
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|
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|
|
|
|
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|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
407.5 |
|
|
|
|
303.9 |
|
|
|
|
|
- |
|
|
|
|
711.4 |
|
|
|
|
385.1 |
|
|
|
|
260.6 |
|
|
|
|
|
- |
|
|
|
|
|
|
645.7 |
|
|
|
|
|
|
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|
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|
|
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|
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|
|
|
|
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|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
|
(11.4 |
) |
|
|
|
(9.9 |
) |
|
|
|
|
0.4 |
|
|
|
|
(20.9 |
) |
|
|
|
(3.9 |
) |
|
|
|
1.0 |
|
|
|
|
|
0.3 |
|
|
|
|
|
|
(2.6 |
) |
|
|
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|
|
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|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
74.8 |
|
|
|
|
78.7 |
|
|
|
|
|
- |
|
|
|
|
153.5 |
|
|
|
|
42.5 |
|
|
|
|
33.0 |
|
|
|
|
|
- |
|
|
|
|
|
|
75.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
|
- |
|
|
|
|
- |
|
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
(8.9 |
) |
|
|
|
(0.7 |
) |
|
|
|
|
- |
|
|
|
|
|
|
(9.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
470.9 |
|
|
|
|
372.7 |
|
|
|
|
|
0.4 |
|
|
|
|
844.0 |
|
|
|
|
414.8 |
|
|
|
|
293.9 |
|
|
|
|
|
0.3 |
|
|
|
|
|
|
709.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
237.9 |
|
|
|
|
135.0 |
|
|
|
|
|
- |
|
|
|
|
372.9 |
|
|
|
|
231.6 |
|
|
|
|
133.4 |
|
|
|
|
|
- |
|
|
|
|
|
|
365.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
(10.2 |
) |
|
|
|
(20.3 |
) |
|
|
|
|
(0.4 |
) |
|
|
|
(30.9 |
) |
|
|
|
18.7 |
|
|
|
|
43.0 |
|
|
|
|
|
(0.3 |
) |
|
|
|
|
|
61.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
52.9 |
|
|
|
|
22.6 |
|
|
|
|
|
3.3 |
|
|
|
|
78.8 |
|
|
|
|
44.4 |
|
|
|
|
19.5 |
|
|
|
|
|
3.7 |
|
|
|
|
|
|
67.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
4.0 |
|
|
|
|
2.6 |
|
|
|
|
|
1.0 |
|
|
|
|
7.6 |
|
|
|
|
3.8 |
|
|
|
|
3.5 |
|
|
|
|
|
1.8 |
|
|
|
|
|
|
9.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
(4.3 |
) |
|
|
|
(1.3 |
) |
|
|
|
|
(2.9 |
) |
|
|
|
(8.5 |
) |
|
|
|
(4.6 |
) |
|
|
|
(1.8 |
) |
|
|
|
|
(3.3 |
) |
|
|
|
|
|
(9.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
$ |
|
42.4 |
|
|
$ |
|
3.6 |
|
|
|
$ |
|
1.0 |
|
|
$ |
|
47.0 |
|
|
$ |
|
62.3 |
|
|
$ |
|
64.2 |
|
|
|
$ |
|
1.9 |
|
|
|
|
$ |
|
128.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
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|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
58.3 |
% |
|
|
|
62.4 |
% |
|
|
|
N/M |
|
|
|
|
60.1 |
% |
|
|
|
57.9 |
% |
|
|
|
55.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
56.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
|
(1.6 |
)% |
|
|
|
(2.0 |
)% |
|
|
|
N/M |
|
|
|
|
(1.8 |
)% |
|
|
|
(0.6 |
)% |
|
|
|
0.2 |
% |
|
|
|
N/M |
|
|
|
|
|
|
(0.2 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
10.7 |
% |
|
|
|
16.1 |
% |
|
|
|
N/M |
|
|
|
|
12.9 |
% |
|
|
|
6.4 |
% |
|
|
|
7.0 |
% |
|
|
|
N/M |
|
|
|
|
|
|
6.6 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
N/M |
|
|
|
N/M |
|
|
|
|
N/M |
|
|
|
N/M |
|
|
|
|
(1.3 |
)% |
|
|
|
(0.1 |
)% |
|
|
|
N/M |
|
|
|
|
|
|
(0.8 |
)% |
|||||
總損耗和LAE比率 |
|
|
|
67.4 |
% |
|
|
|
76.5 |
% |
|
|
|
N/M |
|
|
|
|
71.2 |
% |
|
|
|
62.4 |
% |
|
|
|
62.5 |
% |
|
|
|
N/M |
|
|
|
|
|
|
62.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
33.8 |
% |
|
|
|
27.3 |
% |
|
|
|
N/M |
|
|
|
|
31.1 |
% |
|
|
|
34.5 |
% |
|
|
|
27.9 |
% |
|
|
|
N/M |
|
|
|
|
|
|
31.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
101.2 |
% |
|
|
|
103.8 |
% |
|
|
|
N/M |
|
|
|
|
102.3 |
% |
|
|
|
96.9 |
% |
|
|
|
90.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
94.2 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
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|
|
|
|
|
|
|
|
5
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||
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|
|
|
|
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|
|
|
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|
整合 |
|
||||||||||||||||||||||||||||||||||||||
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的9個月 |
|
||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
2021 |
|
|
|
2020 |
|
||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
商業廣告 |
|
|
|
個人 |
|
|
|
|
|
|
|
|
|
|
|
|
|
商業廣告 |
|
|
|
個人 |
|
|
|
|
|
|
|
|
|
|
|
||||
(單位:百萬,百分比數據除外) |
|
線條 |
|
|
|
線條 |
|
|
|
其他 |
|
|
|
總計 |
|
|
|
線條 |
|
|
|
線條 |
|
|
|
其他 |
|
|
|
總計 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
|
2,618.0 |
|
|
$ |
|
1,555.6 |
|
|
$ |
|
- |
|
|
$ |
|
4,173.6 |
|
|
$ |
|
2,441.6 |
|
|
$ |
|
1,477.4 |
|
|
$ |
|
- |
|
|
$ |
|
3,919.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
$ |
|
2,271.0 |
|
|
$ |
|
1,507.5 |
|
|
$ |
|
- |
|
|
$ |
|
3,778.5 |
|
|
$ |
|
2,083.0 |
|
|
$ |
|
1,403.4 |
|
|
$ |
|
- |
|
|
$ |
|
3,486.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
$ |
|
2,094.9 |
|
|
$ |
|
1,432.7 |
|
|
$ |
|
- |
|
|
$ |
|
3,527.6 |
|
|
$ |
|
1,999.6 |
|
|
$ |
|
1,373.8 |
|
|
$ |
|
- |
|
|
$ |
|
3,373.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
1,200.3 |
|
|
|
|
848.2 |
|
|
|
|
- |
|
|
|
|
2,048.5 |
|
|
|
|
1,148.6 |
|
|
|
|
758.4 |
|
|
|
|
0.1 |
|
|
|
|
1,907.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(22.6 |
) |
|
|
|
(20.1 |
) |
|
|
|
1.0 |
|
|
|
|
(41.7 |
) |
|
|
|
(12.7 |
) |
|
|
|
(0.7 |
) |
|
|
|
3.9 |
|
|
|
|
(9.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
223.8 |
|
|
|
|
154.8 |
|
|
|
|
- |
|
|
|
|
378.6 |
|
|
|
|
140.4 |
|
|
|
|
127.8 |
|
|
|
|
- |
|
|
|
|
268.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨災損失發展 |
|
|
(12.0 |
) |
|
|
|
(3.0 |
) |
|
|
|
- |
|
|
|
|
(15.0 |
) |
|
|
|
(18.2 |
) |
|
|
|
1.6 |
|
|
|
|
- |
|
|
|
|
(16.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
1,389.5 |
|
|
|
|
979.9 |
|
|
|
|
1.0 |
|
|
|
|
2,370.4 |
|
|
|
|
1,258.1 |
|
|
|
|
887.1 |
|
|
|
|
4.0 |
|
|
|
|
2,149.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
711.1 |
|
|
|
|
404.7 |
|
|
|
|
- |
|
|
|
|
1,115.8 |
|
|
|
|
691.1 |
|
|
|
|
382.2 |
|
|
|
|
- |
|
|
|
|
1,073.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
(5.7 |
) |
|
|
|
48.1 |
|
|
|
|
(1.0 |
) |
|
|
|
41.4 |
|
|
|
|
50.4 |
|
|
|
|
104.5 |
|
|
|
|
(4.0 |
) |
|
|
|
150.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
155.7 |
|
|
|
|
66.5 |
|
|
|
|
9.0 |
|
|
|
|
231.2 |
|
|
|
|
128.7 |
|
|
|
|
56.3 |
|
|
|
|
9.9 |
|
|
|
|
194.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
11.2 |
|
|
|
|
7.1 |
|
|
|
|
3.4 |
|
|
|
|
21.7 |
|
|
|
|
8.6 |
|
|
|
|
8.0 |
|
|
|
|
5.6 |
|
|
|
|
22.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
(12.2 |
) |
|
|
|
(4.1 |
) |
|
|
|
(8.6 |
) |
|
|
|
(24.9 |
) |
|
|
|
(15.5 |
) |
|
|
|
(7.1 |
) |
|
|
|
(11.0 |
) |
|
|
|
(33.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
$ |
|
149.0 |
|
|
$ |
|
117.6 |
|
|
$ |
|
2.8 |
|
|
$ |
|
269.4 |
|
|
$ |
|
172.2 |
|
|
$ |
|
161.7 |
|
|
$ |
|
0.5 |
|
|
$ |
|
334.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
57.3 |
% |
|
|
|
59.2 |
% |
|
|
N/M |
|
|
|
|
58.1 |
% |
|
|
|
57.4 |
% |
|
|
|
55.3 |
% |
|
|
N/M |
|
|
|
|
56.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
(1.1 |
)% |
|
|
|
(1.4 |
)% |
|
|
N/M |
|
|
|
|
(1.2 |
)% |
|
|
|
(0.6 |
)% |
|
|
|
(0.1 |
)% |
|
|
N/M |
|
|
|
|
(0.3 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
10.7 |
% |
|
|
|
10.8 |
% |
|
|
N/M |
|
|
|
|
10.7 |
% |
|
|
|
7.0 |
% |
|
|
|
9.3 |
% |
|
|
N/M |
|
|
|
|
8.0 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨災損失發展 |
|
|
(0.6 |
)% |
|
|
|
(0.2 |
)% |
|
|
N/M |
|
|
|
|
(0.4 |
)% |
|
|
|
(0.9 |
)% |
|
|
|
0.1 |
% |
|
|
N/M |
|
|
|
|
(0.5 |
)% |
||
總損耗和LAE比率 |
|
|
66.3 |
% |
|
|
|
68.4 |
% |
|
|
N/M |
|
|
|
|
67.2 |
% |
|
|
|
62.9 |
% |
|
|
|
64.6 |
% |
|
|
N/M |
|
|
|
|
63.7 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
33.7 |
% |
|
|
|
27.8 |
% |
|
|
N/M |
|
|
|
|
31.3 |
% |
|
|
|
34.3 |
% |
|
|
|
27.4 |
% |
|
|
N/M |
|
|
|
|
31.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
100.0 |
% |
|
|
|
96.2 |
% |
|
|
N/M |
|
|
|
|
98.5 |
% |
|
|
|
97.2 |
% |
|
|
|
92.0 |
% |
|
|
N/M |
|
|
|
|
95.2 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
6
漢諾威保險集團 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相關比率 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
整合 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
9月-年初 |
|
|
9月-年初 |
|
|||||||
(單位:百萬,百分比數據除外) |
|
|
2020 |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
|
$ |
|
1,406.1 |
|
$ |
|
1,235.5 |
|
$ |
|
1,337.6 |
|
$ |
|
1,342.8 |
|
$ |
|
1,493.2 |
|
$ |
|
3,919.0 |
|
$ |
|
4,173.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
|
$ |
|
1,268.5 |
|
$ |
|
1,112.1 |
|
$ |
|
1,196.1 |
|
$ |
|
1,207.2 |
|
$ |
|
1,375.2 |
|
$ |
|
3,486.4 |
|
$ |
|
3,778.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
|
$ |
|
1,135.4 |
|
$ |
|
1,154.0 |
|
$ |
|
1,161.8 |
|
$ |
|
1,179.8 |
|
$ |
|
1,186.0 |
|
$ |
|
3,373.4 |
|
$ |
|
3,527.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
645.7 |
|
|
|
666.2 |
|
|
|
656.2 |
|
|
|
680.9 |
|
|
|
711.4 |
|
|
|
1,907.1 |
|
|
|
2,048.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
|
(2.6 |
) |
|
|
(6.0 |
) |
|
|
(8.2 |
) |
|
|
(12.6 |
) |
|
|
(20.9 |
) |
|
|
(9.5 |
) |
|
|
(41.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
75.5 |
|
|
|
35.6 |
|
|
|
133.3 |
|
|
|
91.8 |
|
|
|
153.5 |
|
|
|
268.2 |
|
|
|
378.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
|
(9.6 |
) |
|
|
(0.5 |
) |
|
|
- |
|
|
|
(15.0 |
) |
|
|
- |
|
|
|
(16.6 |
) |
|
|
(15.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
709.0 |
|
|
|
695.3 |
|
|
|
781.3 |
|
|
|
745.1 |
|
|
|
844.0 |
|
|
|
2,149.2 |
|
|
|
2,370.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
365.0 |
|
|
|
374.7 |
|
|
|
371.2 |
|
|
|
371.7 |
|
|
|
372.9 |
|
|
|
1,073.3 |
|
|
|
1,115.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
$ |
|
61.4 |
|
$ |
|
84.0 |
|
$ |
|
9.3 |
|
$ |
|
63.0 |
|
$ |
|
(30.9 |
) |
$ |
|
150.9 |
|
$ |
|
41.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
56.8 |
% |
|
|
57.8 |
% |
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
56.5 |
% |
|
|
58.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(0.3 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
6.6 |
% |
|
|
3.0 |
% |
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
8.0 |
% |
|
|
10.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
|
(0.8 |
)% |
|
|
- |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
- |
|
|
|
(0.5 |
)% |
|
|
(0.4 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
62.4 |
% |
|
|
60.3 |
% |
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
63.7 |
% |
|
|
67.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
31.8 |
% |
|
|
32.1 |
% |
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.5 |
% |
|
|
31.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
94.2 |
% |
|
|
92.4 |
% |
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
95.2 |
% |
|
|
98.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
|
88.4 |
% |
|
|
89.4 |
% |
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
87.7 |
% |
|
|
88.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
|
|
88.6 |
% |
|
|
89.9 |
% |
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
88.0 |
% |
|
|
89.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
||||||||||||||||||||||||||||||||||||||||
商業線路 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三個月 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
||||
(單位:百萬,百分比數據除外) |
|
危難 |
|
|
自動 |
|
|
COMP |
|
|
其他 |
|
|
總計 |
|
|
|
危難 |
|
|
自動 |
|
|
COMP |
|
|
其他 |
|
|
總計 |
|
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
$ |
|
289.5 |
|
$ |
|
94.7 |
|
$ |
|
93.9 |
|
$ |
|
348.7 |
|
$ |
|
826.8 |
|
|
$ |
|
273.4 |
|
$ |
|
88.8 |
|
$ |
|
79.0 |
|
$ |
|
319.3 |
|
$ |
|
760.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
$ |
|
239.1 |
|
$ |
|
86.8 |
|
$ |
|
91.7 |
|
$ |
|
281.0 |
|
$ |
|
698.6 |
|
|
$ |
|
227.0 |
|
$ |
|
82.5 |
|
$ |
|
76.4 |
|
$ |
|
279.2 |
|
$ |
|
665.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
153.7 |
|
|
|
56.4 |
|
|
|
52.3 |
|
|
|
145.1 |
|
|
|
407.5 |
|
|
|
|
134.1 |
|
|
|
53.1 |
|
|
|
46.8 |
|
|
|
151.1 |
|
|
|
385.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(2.0 |
) |
|
|
- |
|
|
|
(2.4 |
) |
|
|
(7.0 |
) |
|
|
(11.4 |
) |
|
|
|
6.4 |
|
|
|
2.0 |
|
|
|
(9.8 |
) |
|
|
(2.5 |
) |
|
|
(3.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
57.9 |
|
|
|
0.3 |
|
|
|
- |
|
|
|
16.6 |
|
|
|
74.8 |
|
|
|
|
21.4 |
|
|
|
0.7 |
|
|
|
- |
|
|
|
20.4 |
|
|
|
42.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
(0.3 |
) |
|
|
- |
|
|
|
- |
|
|
|
0.3 |
|
|
|
- |
|
|
|
|
(6.5 |
) |
|
|
(0.1 |
) |
|
|
- |
|
|
|
(2.3 |
) |
|
|
(8.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
209.3 |
|
|
|
56.7 |
|
|
|
49.9 |
|
|
|
155.0 |
|
|
|
470.9 |
|
|
|
|
155.4 |
|
|
|
55.7 |
|
|
|
37.0 |
|
|
|
166.7 |
|
|
|
414.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
237.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
231.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(10.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
18.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
52.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
44.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
42.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
62.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
64.2 |
% |
|
|
65.0 |
% |
|
|
57.0 |
% |
|
|
51.7 |
% |
|
|
58.3 |
% |
|
|
|
59.1 |
% |
|
|
64.4 |
% |
|
|
61.2 |
% |
|
|
54.1 |
% |
|
|
57.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(0.8 |
)% |
|
|
- |
|
|
|
(2.6 |
)% |
|
|
(2.5 |
)% |
|
|
(1.6 |
)% |
|
|
|
2.8 |
% |
|
|
2.4 |
% |
|
|
(12.8 |
)% |
|
|
(0.9 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
24.2 |
% |
|
|
0.3 |
% |
|
|
- |
|
|
|
5.9 |
% |
|
|
10.7 |
% |
|
|
|
9.5 |
% |
|
|
0.8 |
% |
|
|
- |
|
|
|
7.3 |
% |
|
|
6.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
0.1 |
% |
|
|
- |
|
|
|
|
(2.9 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(0.8 |
)% |
|
|
(1.3 |
)% |
總損耗和LAE比率 |
|
|
87.5 |
% |
|
|
65.3 |
% |
|
|
54.4 |
% |
|
|
55.2 |
% |
|
|
67.4 |
% |
|
|
|
68.5 |
% |
|
|
67.5 |
% |
|
|
48.4 |
% |
|
|
59.7 |
% |
|
|
62.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
33.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
101.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
現行政策的變化 |
|
|
3.8 |
% |
|
|
(5.3 |
)% |
|
|
8.2 |
% |
|
|
4.4 |
% |
|
|
4.0 |
% |
|
|
|
1.8 |
% |
|
|
(8.4 |
)% |
|
|
8.1 |
% |
|
|
0.3 |
% |
|
|
1.2 |
% |
|
|
|
- |
|
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.8 |
% |
|
|
85.7 |
% |
|
|
86.3 |
% |
|
N/M |
|
|
|
87.8 |
% |
|
|
|
89.1 |
% |
|
|
82.5 |
% |
|
|
84.3 |
% |
|
N/M |
|
|
|
87.1 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商業線路 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
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|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的9個月 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
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|
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|
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|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||||||||||
|
|
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|
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|
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|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
||||
(單位:百萬,百分比數據除外) |
|
危難 |
|
|
自動 |
|
|
COMP |
|
|
其他 |
|
|
總計 |
|
|
|
危難 |
|
|
自動 |
|
|
COMP |
|
|
其他 |
|
|
總計 |
|
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
$ |
|
756.1 |
|
$ |
|
269.8 |
|
$ |
|
269.3 |
|
$ |
|
975.8 |
|
$ |
|
2,271.0 |
|
|
$ |
|
712.6 |
|
$ |
|
256.4 |
|
$ |
|
241.1 |
|
$ |
|
872.9 |
|
$ |
|
2,083.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
$ |
|
709.2 |
|
$ |
|
258.2 |
|
$ |
|
254.4 |
|
$ |
|
873.1 |
|
$ |
|
2,094.9 |
|
|
$ |
|
678.9 |
|
$ |
|
250.8 |
|
$ |
|
233.3 |
|
$ |
|
836.6 |
|
$ |
|
1,999.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
424.4 |
|
|
|
159.1 |
|
|
|
151.5 |
|
|
|
465.3 |
|
|
|
1,200.3 |
|
|
|
|
394.9 |
|
|
|
159.2 |
|
|
|
142.5 |
|
|
|
452.0 |
|
|
|
1,148.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(3.3 |
) |
|
|
3.0 |
|
|
|
(13.1 |
) |
|
|
(9.2 |
) |
|
|
(22.6 |
) |
|
|
|
13.3 |
|
|
|
10.7 |
|
|
|
(25.6 |
) |
|
|
(11.1 |
) |
|
|
(12.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
166.8 |
|
|
|
1.5 |
|
|
|
- |
|
|
|
55.5 |
|
|
|
223.8 |
|
|
|
|
95.6 |
|
|
|
1.5 |
|
|
|
- |
|
|
|
43.3 |
|
|
|
140.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
(8.2 |
) |
|
|
(1.0 |
) |
|
|
- |
|
|
|
(2.8 |
) |
|
|
(12.0 |
) |
|
|
|
(14.3 |
) |
|
|
(0.1 |
) |
|
|
- |
|
|
|
(3.8 |
) |
|
|
(18.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
579.7 |
|
|
|
162.6 |
|
|
|
138.4 |
|
|
|
508.8 |
|
|
|
1,389.5 |
|
|
|
|
489.5 |
|
|
|
171.3 |
|
|
|
116.9 |
|
|
|
480.4 |
|
|
|
1,258.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
711.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
691.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
50.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
155.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
128.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(12.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(15.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
149.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
172.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
59.8 |
% |
|
|
61.6 |
% |
|
|
59.5 |
% |
|
|
53.4 |
% |
|
|
57.3 |
% |
|
|
|
58.1 |
% |
|
|
63.4 |
% |
|
|
61.1 |
% |
|
|
54.0 |
% |
|
|
57.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(0.5 |
)% |
|
|
1.2 |
% |
|
|
(5.1 |
)% |
|
|
(1.1 |
)% |
|
|
(1.1 |
)% |
|
|
|
2.0 |
% |
|
|
4.3 |
% |
|
|
(11.0 |
)% |
|
|
(1.3 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
23.6 |
% |
|
|
0.6 |
% |
|
|
- |
|
|
|
6.3 |
% |
|
|
10.7 |
% |
|
|
|
14.1 |
% |
|
|
0.6 |
% |
|
|
- |
|
|
|
5.2 |
% |
|
|
7.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
(1.2 |
)% |
|
|
(0.4 |
)% |
|
|
- |
|
|
|
(0.3 |
)% |
|
|
(0.6 |
)% |
|
|
|
(2.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.5 |
)% |
|
|
(0.9 |
)% |
總損耗和LAE比率 |
|
|
81.7 |
% |
|
|
63.0 |
% |
|
|
54.4 |
% |
|
|
58.3 |
% |
|
|
66.3 |
% |
|
|
|
72.1 |
% |
|
|
68.3 |
% |
|
|
50.1 |
% |
|
|
57.4 |
% |
|
|
62.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
33.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
97.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
現行政策的變化 |
|
|
3.8 |
% |
|
|
(5.3 |
)% |
|
|
8.2 |
% |
|
|
4.4 |
% |
|
|
4.0 |
% |
|
|
|
1.8 |
% |
|
|
(8.4 |
)% |
|
|
8.1 |
% |
|
|
0.3 |
% |
|
|
1.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.3 |
% |
|
|
83.8 |
% |
|
|
84.4 |
% |
|
N/M |
|
|
|
86.7 |
% |
|
|
|
88.7 |
% |
|
|
82.0 |
% |
|
|
82.9 |
% |
|
N/M |
|
|
|
86.4 |
% |
||
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
9
漢諾威保險集團 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相關比率 |
|
||||||||||||||||||||||||||||
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|
商業線路 |
|
||||||||||||||||||||||||||||
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|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
9月-年初 |
|
|
9月-年初 |
|
|||||||
(單位:百萬,百分比數據除外) |
|
|
2020 |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
|
$ |
|
884.7 |
|
$ |
|
759.4 |
|
$ |
|
884.0 |
|
$ |
|
805.7 |
|
$ |
|
928.3 |
|
$ |
|
2,441.6 |
|
$ |
|
2,618.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
|
$ |
|
760.5 |
|
$ |
|
650.1 |
|
$ |
|
757.4 |
|
$ |
|
686.8 |
|
$ |
|
826.8 |
|
$ |
|
2,083.0 |
|
$ |
|
2,271.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
|
$ |
|
665.1 |
|
$ |
|
683.7 |
|
$ |
|
692.9 |
|
$ |
|
703.4 |
|
$ |
|
698.6 |
|
$ |
|
1,999.6 |
|
$ |
|
2,094.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
385.1 |
|
|
|
385.5 |
|
|
|
388.9 |
|
|
|
403.9 |
|
|
|
407.5 |
|
|
|
1,148.6 |
|
|
|
1,200.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
|
(3.9 |
) |
|
|
(6.3 |
) |
|
|
(3.3 |
) |
|
|
(7.9 |
) |
|
|
(11.4 |
) |
|
|
(12.7 |
) |
|
|
(22.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
42.5 |
|
|
|
10.6 |
|
|
|
118.8 |
|
|
|
30.2 |
|
|
|
74.8 |
|
|
|
140.4 |
|
|
|
223.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
|
(8.9 |
) |
|
|
(0.6 |
) |
|
|
- |
|
|
|
(12.0 |
) |
|
|
- |
|
|
|
(18.2 |
) |
|
|
(12.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
414.8 |
|
|
|
389.2 |
|
|
|
504.4 |
|
|
|
414.2 |
|
|
|
470.9 |
|
|
|
1,258.1 |
|
|
|
1,389.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
231.6 |
|
|
|
238.6 |
|
|
|
237.8 |
|
|
|
235.4 |
|
|
|
237.9 |
|
|
|
691.1 |
|
|
|
711.1 |
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
$ |
|
18.7 |
|
$ |
|
55.9 |
|
$ |
|
(49.3 |
) |
$ |
|
53.8 |
|
$ |
|
(10.2 |
) |
$ |
|
50.4 |
|
$ |
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
57.9 |
% |
|
|
56.3 |
% |
|
|
56.2 |
% |
|
|
57.4 |
% |
|
|
58.3 |
% |
|
|
57.4 |
% |
|
|
57.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利儲備開發,不包括巨災損失 |
|
|
|
(0.6 |
)% |
|
|
(0.9 |
)% |
|
|
(0.5 |
)% |
|
|
(1.1 |
)% |
|
|
(1.6 |
)% |
|
|
(0.6 |
)% |
|
|
(1.1 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
6.4 |
% |
|
|
1.6 |
% |
|
|
17.1 |
% |
|
|
4.3 |
% |
|
|
10.7 |
% |
|
|
7.0 |
% |
|
|
10.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨災損失發展 |
|
|
|
(1.3 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(1.7 |
)% |
|
|
- |
|
|
|
(0.9 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
62.4 |
% |
|
|
56.9 |
% |
|
|
72.8 |
% |
|
|
58.9 |
% |
|
|
67.4 |
% |
|
|
62.9 |
% |
|
|
66.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
34.5 |
% |
|
|
34.6 |
% |
|
|
34.1 |
% |
|
|
33.2 |
% |
|
|
33.8 |
% |
|
|
34.3 |
% |
|
|
33.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
96.9 |
% |
|
|
91.5 |
% |
|
|
106.9 |
% |
|
|
92.1 |
% |
|
|
101.2 |
% |
|
|
97.2 |
% |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
|
91.8 |
% |
|
|
90.0 |
% |
|
|
89.8 |
% |
|
|
89.5 |
% |
|
|
90.5 |
% |
|
|
91.1 |
% |
|
|
89.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
|
|
92.4 |
% |
|
|
90.9 |
% |
|
|
90.3 |
% |
|
|
90.6 |
% |
|
|
92.1 |
% |
|
|
91.7 |
% |
|
|
91.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
漢諾威保險集團 |
|
|||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人專線 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三個月 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬,百分比數據除外) |
|
|
自動 |
|
|
家 |
|
|
其他 |
|
|
總計 |
|
|
|
自動 |
|
|
家 |
|
|
其他 |
|
|
總計 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
|
$ |
|
330.8 |
|
$ |
|
196.7 |
|
$ |
|
20.9 |
|
$ |
|
548.4 |
|
|
$ |
|
311.6 |
|
$ |
|
179.7 |
|
$ |
|
16.7 |
|
$ |
|
508.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費收入 |
|
$ |
|
301.8 |
|
$ |
|
168.4 |
|
$ |
|
17.2 |
|
$ |
|
487.4 |
|
|
$ |
|
295.2 |
|
$ |
|
161.0 |
|
$ |
|
14.1 |
|
$ |
|
470.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
207.9 |
|
|
|
87.5 |
|
|
|
8.5 |
|
|
|
303.9 |
|
|
|
|
177.6 |
|
|
|
77.7 |
|
|
|
5.3 |
|
|
|
260.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
|
(10.0 |
) |
|
|
- |
|
|
|
0.1 |
|
|
|
(9.9 |
) |
|
|
|
(0.1 |
) |
|
|
2.5 |
|
|
|
(1.4 |
) |
|
|
1.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
7.5 |
|
|
|
70.2 |
|
|
|
1.0 |
|
|
|
78.7 |
|
|
|
|
3.2 |
|
|
|
29.6 |
|
|
|
0.2 |
|
|
|
33.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨災損失發展 |
|
|
|
(0.3 |
) |
|
|
0.3 |
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
(0.7 |
) |
|
|
- |
|
|
|
(0.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
205.1 |
|
|
|
158.0 |
|
|
|
9.6 |
|
|
|
372.7 |
|
|
|
|
180.7 |
|
|
|
109.1 |
|
|
|
4.1 |
|
|
|
293.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
135.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
133.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(20.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
43.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
22.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
19.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
3.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
64.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
68.9 |
% |
|
|
51.9 |
% |
|
|
49.4 |
% |
|
|
62.4 |
% |
|
|
|
60.1 |
% |
|
|
48.2 |
% |
|
|
37.6 |
% |
|
|
55.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
|
(3.3 |
)% |
|
|
- |
|
|
|
0.6 |
% |
|
|
(2.0 |
)% |
|
|
|
- |
|
|
|
1.6 |
% |
|
|
(9.9 |
)% |
|
|
0.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
2.5 |
% |
|
|
41.7 |
% |
|
|
5.8 |
% |
|
|
16.1 |
% |
|
|
|
1.1 |
% |
|
|
18.4 |
% |
|
|
1.4 |
% |
|
|
7.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨災損失發展 |
|
|
|
(0.1 |
)% |
|
|
0.2 |
% |
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
(0.4 |
)% |
|
|
- |
|
|
|
(0.1 |
)% |
|
|
|
|
68.0 |
% |
|
|
93.8 |
% |
|
|
55.8 |
% |
|
|
76.5 |
% |
|
|
|
61.2 |
% |
|
|
67.8 |
% |
|
|
29.1 |
% |
|
|
62.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
103.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
90.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
現行政策的變化 |
|
|
|
2.8 |
% |
|
|
3.4 |
% |
|
|
36.8 |
% |
|
|
5.5 |
% |
|
|
|
(1.7 |
)% |
|
|
(0.2 |
)% |
|
|
46.4 |
% |
|
|
1.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着(1) |
|
|
|
88.0 |
% |
|
|
89.4 |
% |
|
N/M |
|
|
|
88.7 |
% |
|
|
|
81.0 |
% |
|
|
83.4 |
% |
|
N/M |
|
|
|
82.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1) 此措施的計算已更新(包括以前的期間),以將“丟失的業務”排除在政策取消/重寫之外。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||
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|
|
|
|
|
|
|
個人專線 |
|
||||||||||||||||||||||||||||||||
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|
|
|
|
|
|
|
截至9月30日的9個月 |
|
||||||||||||||||||||||||||||||||
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|
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|
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|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬,百分比數據除外) |
|
自動 |
|
|
家 |
|
|
其他 |
|
|
總計 |
|
|
|
自動 |
|
|
家 |
|
|
其他 |
|
|
總計 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的淨保費 |
$ |
|
930.1 |
|
$ |
|
522.2 |
|
$ |
|
55.2 |
|
$ |
|
1,507.5 |
|
|
$ |
|
867.8 |
|
$ |
|
491.0 |
|
$ |
|
44.6 |
|
$ |
|
1,403.4 |
|
淨保費收入 |
$ |
|
888.5 |
|
$ |
|
495.6 |
|
$ |
|
48.6 |
|
$ |
|
1,432.7 |
|
|
$ |
|
852.4 |
|
$ |
|
480.9 |
|
$ |
|
40.5 |
|
$ |
|
1,373.8 |
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
566.2 |
|
|
|
261.3 |
|
|
|
20.7 |
|
|
|
848.2 |
|
|
|
|
506.0 |
|
|
|
237.6 |
|
|
|
14.8 |
|
|
|
758.4 |
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(19.1 |
) |
|
|
(0.7 |
) |
|
|
(0.3 |
) |
|
|
(20.1 |
) |
|
|
|
2.8 |
|
|
|
0.5 |
|
|
|
(4.0 |
) |
|
|
(0.7 |
) |
當前事故年巨災損失 |
|
|
17.5 |
|
|
|
136.1 |
|
|
|
1.2 |
|
|
|
154.8 |
|
|
|
|
9.2 |
|
|
|
117.6 |
|
|
|
1.0 |
|
|
|
127.8 |
|
前一事故年不利(有利)巨災損失發展 |
|
|
(1.0 |
) |
|
|
(2.1 |
) |
|
|
0.1 |
|
|
|
(3.0 |
) |
|
|
|
0.8 |
|
|
|
0.7 |
|
|
|
0.1 |
|
|
|
1.6 |
|
總虧損和LAE |
|
|
563.6 |
|
|
|
394.6 |
|
|
|
21.7 |
|
|
|
979.9 |
|
|
|
|
518.8 |
|
|
|
356.4 |
|
|
|
11.9 |
|
|
|
887.1 |
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
404.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
382.2 |
|
GAAP承銷利潤 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
48.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
104.5 |
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
66.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
56.3 |
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8.0 |
|
其他運營費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(7.1 |
) |
所得税前營業收入 |
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
117.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
161.7 |
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
63.6 |
% |
|
|
52.7 |
% |
|
|
42.6 |
% |
|
|
59.2 |
% |
|
|
|
59.4 |
% |
|
|
49.4 |
% |
|
|
36.6 |
% |
|
|
55.3 |
% |
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
(2.1 |
)% |
|
|
(0.1 |
)% |
|
|
(0.6 |
)% |
|
|
(1.4 |
)% |
|
|
|
0.3 |
% |
|
|
0.1 |
% |
|
|
(9.9 |
)% |
|
|
(0.1 |
)% |
當前事故年巨災損失 |
|
|
2.0 |
% |
|
|
27.4 |
% |
|
|
2.5 |
% |
|
|
10.8 |
% |
|
|
|
1.1 |
% |
|
|
24.5 |
% |
|
|
2.5 |
% |
|
|
9.3 |
% |
前一事故年不利(有利)巨災損失發展 |
|
|
(0.1 |
)% |
|
|
(0.4 |
)% |
|
|
0.2 |
% |
|
|
(0.2 |
)% |
|
|
|
0.1 |
% |
|
|
0.1 |
% |
|
|
0.2 |
% |
|
|
0.1 |
% |
總損耗和LAE比率 |
|
|
63.4 |
% |
|
|
79.6 |
% |
|
|
44.7 |
% |
|
|
68.4 |
% |
|
|
|
60.9 |
% |
|
|
74.1 |
% |
|
|
29.4 |
% |
|
|
64.6 |
% |
費用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.4 |
% |
合併比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
92.0 |
% |
現行政策的變化 |
|
|
2.8 |
% |
|
|
3.4 |
% |
|
|
36.8 |
% |
|
|
5.5 |
% |
|
|
|
(1.7 |
)% |
|
|
(0.2 |
)% |
|
|
46.4 |
% |
|
|
1.4 |
% |
留着(1) |
|
|
86.0 |
% |
|
|
87.1 |
% |
|
N/M |
|
|
|
86.6 |
% |
|
|
|
83.8 |
% |
|
|
85.0 |
% |
|
N/M |
|
|
|
84.5 |
% |
||
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|
(1) 此措施的計算已更新(包括以前的期間),以將“丟失的業務”排除在政策取消/重寫之外。 |
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12
漢諾威保險集團 |
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GAAP承保信息及相關比率 |
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個人專線 |
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Q3 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
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9月-年初 |
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9月-年初 |
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|||||||
(單位:百萬,百分比數據除外) |
|
|
2020 |
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|
2020 |
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2021 |
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2021 |
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2021 |
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2020 |
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2021 |
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書面毛保費 |
|
$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
1,477.4 |
|
$ |
|
1,555.6 |
|
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承保的淨保費 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
1,403.4 |
|
$ |
|
1,507.5 |
|
|
|
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|
|
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淨保費收入 |
|
$ |
|
470.3 |
|
$ |
|
470.3 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
1,373.8 |
|
$ |
|
1,432.7 |
|
|
|
|
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|
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虧損和LAE: |
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|
當前事故年,不包括巨災損失 |
|
|
|
260.6 |
|
|
|
280.7 |
|
|
|
267.3 |
|
|
|
277.0 |
|
|
|
303.9 |
|
|
|
758.4 |
|
|
|
848.2 |
|
|
|
|
|
|
|
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|
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|
|
|
|
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|
|
|
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|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
|
1.0 |
|
|
|
- |
|
|
|
(5.2 |
) |
|
|
(5.0 |
) |
|
|
(9.9 |
) |
|
|
(0.7 |
) |
|
|
(20.1 |
) |
|
|
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|
|
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|
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|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
33.0 |
|
|
|
25.0 |
|
|
|
14.5 |
|
|
|
61.6 |
|
|
|
78.7 |
|
|
|
127.8 |
|
|
|
154.8 |
|
|
|
|
|
|
|
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|
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|
|
|
|
|
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|
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|
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|
|
|
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|
|
前一事故年不利(有利)巨災損失發展 |
|
|
|
(0.7 |
) |
|
|
0.1 |
|
|
|
- |
|
|
|
(3.0 |
) |
|
|
- |
|
|
|
1.6 |
|
|
|
(3.0 |
) |
|
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|
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|
|
總虧損和LAE |
|
|
|
293.9 |
|
|
|
305.8 |
|
|
|
276.6 |
|
|
|
330.6 |
|
|
|
372.7 |
|
|
|
887.1 |
|
|
|
979.9 |
|
|
|
|
|
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|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
133.4 |
|
|
|
136.1 |
|
|
|
133.4 |
|
|
|
136.3 |
|
|
|
135.0 |
|
|
|
382.2 |
|
|
|
404.7 |
|
|
|
|
|
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|
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|
|
|
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|
|
公認會計準則承保利潤(虧損) |
|
$ |
|
43.0 |
|
$ |
|
28.4 |
|
$ |
|
58.9 |
|
$ |
|
9.5 |
|
$ |
|
(20.3 |
) |
$ |
|
104.5 |
|
$ |
|
48.1 |
|
|
|
|
|
|
|
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|
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|
|
損耗和LAE比率: |
|
|
|
|
|
|
|
|
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|
|
|
|
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|
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|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年,不包括巨災損失 |
|
|
|
55.4 |
% |
|
|
59.7 |
% |
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
55.3 |
% |
|
|
59.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一個事故年不利於(有利)儲量開發,不包括巨災損失 |
|
|
|
0.2 |
% |
|
|
- |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.1 |
)% |
|
|
(1.4 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年巨災損失 |
|
|
|
7.0 |
% |
|
|
5.3 |
% |
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
9.3 |
% |
|
|
10.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨災損失發展 |
|
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
0.1 |
% |
|
|
(0.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
62.5 |
% |
|
|
65.0 |
% |
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
64.6 |
% |
|
|
68.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
27.9 |
% |
|
|
28.4 |
% |
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.4 |
% |
|
|
27.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併比率 |
|
|
|
90.4 |
% |
|
|
93.4 |
% |
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
92.0 |
% |
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
|
83.5 |
% |
|
|
88.1 |
% |
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
82.6 |
% |
|
|
85.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
|
|
83.3 |
% |
|
|
88.1 |
% |
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
82.7 |
% |
|
|
87.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
13
漢諾威保險集團 |
|
|||||||||||||||||||||||
淨投資收益和收益率 |
|
|||||||||||||||||||||||
|
|
|
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|
Q3 |
|
Q4 |
|
Q1 |
|
Q2 |
|
Q3 |
|
黃大仙 |
|
黃大仙 |
|
|||||||
(單位:百萬,收益率除外) |
|
|
2020 |
|
2020 |
|
2021 |
|
2021 |
|
2021 |
|
2020 |
|
2021 |
|
||||||||
|
|
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|
|
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|
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|
|
|
|
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|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
$ |
55.3 |
|
$ |
54.8 |
|
$ |
54.5 |
|
$ |
53.9 |
|
$ |
54.2 |
|
$ |
167.7 |
|
$ |
162.6 |
|
|
有限合夥企業 |
|
|
|
6.0 |
|
|
8.7 |
|
|
15.1 |
|
|
15.5 |
|
|
18.9 |
|
|
8.0 |
|
|
49.5 |
|
|
按揭貸款 |
|
|
|
4.5 |
|
|
4.4 |
|
|
5.4 |
|
|
4.2 |
|
|
4.0 |
|
|
13.1 |
|
|
13.6 |
|
|
股權證券 |
|
|
|
3.4 |
|
|
4.0 |
|
|
3.8 |
|
|
3.8 |
|
|
3.7 |
|
|
10.8 |
|
|
11.3 |
|
|
其他投資 |
|
|
|
0.7 |
|
|
0.8 |
|
|
0.7 |
|
|
0.9 |
|
|
0.7 |
|
|
2.4 |
|
|
2.3 |
|
|
投資費用 |
|
|
|
(2.3 |
) |
|
(2.5 |
) |
|
(2.7 |
) |
|
(2.7 |
) |
|
(2.7 |
) |
|
(7.1 |
) |
|
(8.1 |
) |
|
總計 |
|
|
$ |
67.6 |
|
$ |
70.2 |
|
$ |
76.8 |
|
$ |
75.6 |
|
$ |
78.8 |
|
$ |
194.9 |
|
$ |
231.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
税前收益率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
|
3.26 |
% |
|
3.15 |
% |
|
3.11 |
% |
|
3.02 |
% |
|
2.96 |
% |
|
3.38 |
% |
|
3.03 |
% |
|
總計 |
|
|
|
|
3.37 |
% |
|
3.45 |
% |
|
3.74 |
% |
|
3.65 |
% |
|
3.72 |
% |
|
3.32 |
% |
|
3.70 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
税前收益率是指當期的年化淨投資收入除以按攤銷成本或成本計算的月平均投資資產,其中不包括固定期限和股權證券的公允價值累計變動。 |
|
14
|
|
漢諾威保險集團 |
|
||||||||||||||||||
|
|
投資組合 |
|
||||||||||||||||||
|
|
2021年9月30日 |
|
||||||||||||||||||
|
(單位:百萬) |
|
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|
||||||||||||
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|
|
改變 |
|
改變 |
|
||
|
|
|
加權 |
攤銷 |
|
|
|
|
|
|
|
網絡 |
|
網絡 |
|
網絡 |
|
||||
|
|
|
平均值 |
成本 |
|
公允價值/ |
|
的百分比 |
|
未實現 |
|
未實現 |
|
未實現 |
|
||||||
|
投資類型 |
質量 |
或成本(1) |
|
進位值 |
|
總計 |
|
利得 |
|
在第三季度 |
|
黃大仙 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
美國財政部和政府機構 |
AAA級 |
$ |
355.2 |
|
$ |
358.7 |
|
|
3.9 |
% |
$ |
3.5 |
|
$ |
(1.9 |
) |
$ |
(12.1 |
) |
|
|
外國政府 |
A- |
|
2.2 |
|
|
2.6 |
|
|
- |
|
|
0.4 |
|
|
- |
|
|
(0.1 |
) |
|
|
市政當局: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
應税 |
AA型 |
|
1,076.2 |
|
|
1,109.6 |
|
|
12.0 |
% |
|
33.4 |
|
|
(8.9 |
) |
|
(26.5 |
) |
|
|
免税 |
AA型 |
|
28.5 |
|
|
29.3 |
|
|
0.3 |
% |
|
0.8 |
|
|
(0.2 |
) |
|
(0.9 |
) |
|
|
公司: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
NAIC 1 |
A |
|
1,426.7 |
|
|
1,515.2 |
|
|
16.3 |
% |
|
88.5 |
|
|
(11.3 |
) |
|
(50.1 |
) |
|
|
NAIC 2 |
BBB |
|
2,252.3 |
|
|
2,364.3 |
|
|
25.5 |
% |
|
112.0 |
|
|
(20.0 |
) |
|
(69.3 |
) |
|
|
NAIC 3及以下版本 |
BB- |
|
304.6 |
|
|
319.3 |
|
|
3.5 |
% |
|
14.7 |
|
|
(1.5 |
) |
|
(6.8 |
) |
|
|
公司總數 |
BBB+ |
|
3,983.6 |
|
|
4,198.8 |
|
|
45.3 |
% |
|
215.2 |
|
|
(32.8 |
) |
|
(126.2 |
) |
|
|
資產支持: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
住房抵押貸款支持 |
AAA級 |
|
1,069.1 |
|
|
1,079.6 |
|
|
11.6 |
% |
|
10.5 |
|
|
(7.3 |
) |
|
(22.0 |
) |
|
|
商業抵押貸款支持 |
AAA級 |
|
784.0 |
|
|
817.1 |
|
|
8.8 |
% |
|
33.1 |
|
|
(7.2 |
) |
|
(21.5 |
) |
|
|
資產支持 |
A |
|
101.6 |
|
|
103.5 |
|
|
1.1 |
% |
|
1.9 |
|
|
(0.7 |
) |
|
(0.7 |
) |
|
|
總固定到期日 |
A+ |
|
7,400.4 |
|
|
7,699.2 |
|
|
83.0 |
% |
|
298.8 |
|
|
(59.0 |
) |
|
(210.0 |
) |
|
|
股權證券 |
|
|
615.5 |
|
|
615.5 |
|
|
6.6 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
按揭及其他貸款 |
|
|
448.1 |
|
|
448.1 |
|
|
4.8 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
其他投資 |
|
|
340.2 |
|
|
340.2 |
|
|
3.7 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
總投資 |
|
|
8,804.2 |
|
|
9,103.0 |
|
|
98.1 |
% |
|
298.8 |
|
|
(59.0 |
) |
|
(210.0 |
) |
|
|
現金和現金等價物 |
|
|
171.2 |
|
|
171.2 |
|
|
1.9 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
總計 |
|
$ |
8,975.4 |
|
$ |
9,274.2 |
|
|
100.0 |
% |
$ |
298.8 |
|
$ |
(59.0 |
) |
$ |
(210.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信貸損失撥備後的淨額730萬美元。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
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|
|
|
|
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|
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|
|
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|
|
|
|
|
|
|
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|
|
|
|
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|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
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|
|
|
|
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|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15
漢諾威保險集團 |
|
||||||||||||
信用質量與固定期限 |
|
||||||||||||
2021年9月30日 |
|
||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限的信貸質量 |
|
||||||||||||
|
|
評級機構 |
|
攤銷 |
|
|
公平 |
|
佔總數的百分比 |
|
|||
NAIC認證 |
等效名稱 |
|
成本(1) |
|
|
價值 |
|
公允價值 |
|
||||
1 |
AAA/AA/A |
$ |
|
4,767.1 |
|
$ |
|
4,937.4 |
|
|
64.1 |
% |
|
2 |
BAA |
|
|
2,328.7 |
|
|
|
2,442.5 |
|
|
31.7 |
% |
|
3 |
基數 |
|
|
201.2 |
|
|
|
211.0 |
|
|
2.8 |
% |
|
4 |
B |
|
|
98.3 |
|
|
|
102.6 |
|
|
1.3 |
% |
|
5 |
CAA及更低版本 |
|
|
5.1 |
|
|
|
5.7 |
|
|
0.1 |
% |
|
總固定到期日 |
|
$ |
|
7,400.4 |
|
$ |
|
7,699.2 |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
|
|
|||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷 |
|
|
公平 |
|
佔總數的百分比 |
|
|||
|
|
|
|
成本(1) |
|
|
價值 |
|
公允價值 |
|
|||
|
0-2年 |
$ |
|
1,078.9 |
|
$ |
|
1,112.7 |
|
|
14.5 |
% |
|
|
2-4年 |
|
|
1,644.1 |
|
|
|
1,750.1 |
|
|
22.7 |
% |
|
|
4-6年 |
|
|
2,072.7 |
|
|
|
2,194.3 |
|
|
28.5 |
% |
|
|
6-8年 |
|
|
1,226.7 |
|
|
|
1,269.8 |
|
|
16.5 |
% |
|
|
8-10年 |
|
|
1,179.5 |
|
|
|
1,168.7 |
|
|
15.2 |
% |
|
|
10年以上 |
|
|
198.5 |
|
|
|
203.6 |
|
|
2.6 |
% |
|
總固定到期日 |
|
|
$ |
|
7,400.4 |
|
$ |
|
7,699.2 |
|
|
100.0 |
% |
加權平均工期 |
|
|
|
|
5.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信貸損失撥備後的淨額20萬美元。 |
|
|
|
|
|
|
|
|
|
|
|
16
漢諾威保險集團 |
||||||||||
企業和市政固定期限控股前25名 |
||||||||||
2021年9月30日 |
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬,百分比數據除外) |
|
|
|
|
|
|
|
|
|
|
發行人 |
攤銷成本 |
|
公允價值 |
|
作為投資資產的百分比 |
|
評級(1) |
|||
明尼蘇達州住房金融局 |
$ |
42.3 |
|
$ |
42.5 |
|
0.46% |
|
AAA級 |
|
摩根士丹利 |
|
36.0 |
|
|
38.5 |
|
0.42% |
|
BBB+ |
|
俄亥俄州 |
|
34.2 |
|
|
33.7 |
|
0.36% |
|
AA+ |
|
Truist Financial |
|
32.6 |
|
|
34.7 |
|
0.37% |
|
A- |
|
嘉信理財(Charles Schwab) |
|
29.7 |
|
|
31.5 |
|
0.34% |
|
A |
|
高盛 |
|
28.9 |
|
|
30.6 |
|
0.33% |
|
BBB |
|
艾伯維 |
|
27.9 |
|
|
29.4 |
|
0.32% |
|
BBB+ |
|
三井住友金融 |
|
27.5 |
|
|
28.4 |
|
0.31% |
|
A- |
|
美國銀行 |
|
26.3 |
|
|
28.6 |
|
0.31% |
|
A- |
|
馬薩諸塞州學校建築局 |
|
26.3 |
|
|
25.9 |
|
0.28% |
|
AA+ |
|
西太平洋銀行 |
|
25.6 |
|
|
27.2 |
|
0.29% |
|
A |
|
加州州立大學 |
|
25.6 |
|
|
26.4 |
|
0.28% |
|
AA- |
|
俄勒岡州 |
|
25.5 |
|
|
25.6 |
|
0.28% |
|
AA+ |
|
摩根大通(JP Morgan Chase) |
|
25.3 |
|
|
26.6 |
|
0.29% |
|
A- |
|
PNC銀行 |
|
24.8 |
|
|
26.7 |
|
0.29% |
|
A |
|
國家電網 |
|
24.2 |
|
|
25.2 |
|
0.27% |
|
BBB+ |
|
勞氏 |
|
23.8 |
|
|
25.1 |
|
0.27% |
|
BBB+ |
|
信諾 |
|
23.6 |
|
|
24.6 |
|
0.27% |
|
A- |
|
克羅格 |
|
23.1 |
|
|
24.1 |
|
0.26% |
|
BBB |
|
三菱日聯金融集團 |
|
23.0 |
|
|
24.2 |
|
0.26% |
|
A- |
|
哥倫比亞特區 |
|
23.0 |
|
|
22.8 |
|
0.25% |
|
AAA級 |
|
威斯康星州 |
|
22.5 |
|
|
22.6 |
|
0.24% |
|
AA+ |
|
公民金融集團 |
|
22.3 |
|
|
23.2 |
|
0.25% |
|
BBB+ |
|
瑞銀集團(UBS Group) |
|
22.1 |
|
|
22.7 |
|
0.24% |
|
A- |
|
麻省互惠銀行全球融資II |
|
21.9 |
|
|
23.5 |
|
0.25% |
|
AA+ |
|
排名前25位的企業和市政 |
$ |
668.0 |
|
$ |
694.3 |
|
7.49% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)-代表國家認可的評級機構消息來源。 |
|
|
|
|
|
|
|
|
|
|
17
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
漢諾威保險集團 |
|
|||||||||||||||||||||||||||||||||||
營業收入與淨收入的對賬 |
|
|||||||||||||||||||||||||||||||||||
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三個月 |
|
|
截至9月30日的9個月 |
|
||||||||||||||||||||||||||||||
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||
(單位為百萬,每股數據除外) |
|
|
$ |
|
人均 共享(稀釋) |
|
|
|
$ |
|
人均 共享(稀釋) |
|
|
|
$ |
|
人均 共享(稀釋) |
|
|
|
$ |
|
人均 共享(稀釋) |
|
||||||||||||
營業收入(虧損) |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
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|
|
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|
|
|
商業線路 |
|
$ |
|
42.4 |
|
|
|
|
|
|
$ |
|
62.3 |
|
|
|
|
|
|
$ |
|
149.0 |
|
|
|
|
|
|
$ |
|
172.2 |
|
|
|
|
|
個人專線 |
|
|
|
3.6 |
|
|
|
|
|
|
|
|
64.2 |
|
|
|
|
|
|
|
|
117.6 |
|
|
|
|
|
|
|
|
161.7 |
|
|
|
|
|
其他 |
|
|
|
1.0 |
|
|
|
|
|
|
|
|
1.9 |
|
|
|
|
|
|
|
|
2.8 |
|
|
|
|
|
|
|
|
0.5 |
|
|
|
|
|
總計 |
|
|
|
47.0 |
|
|
|
|
|
|
|
|
128.4 |
|
|
|
|
|
|
|
|
269.4 |
|
|
|
|
|
|
|
|
334.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
利息支出 |
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
(9.8 |
) |
|
|
|
|
|
|
|
(25.5 |
) |
|
|
|
|
|
|
|
(28.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
38.5 |
|
$ |
|
1.06 |
|
|
|
|
118.6 |
|
$ |
|
3.12 |
|
|
|
|
243.9 |
|
$ |
|
6.68 |
|
|
|
|
305.8 |
|
$ |
|
7.96 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
營業收入所得税費用 |
|
|
|
(7.7 |
) |
|
|
(0.21 |
) |
|
|
|
(25.1 |
) |
|
|
(0.66 |
) |
|
|
|
(47.7 |
) |
|
|
(1.31 |
) |
|
|
|
(62.8 |
) |
|
|
(1.63 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税後營業收入 |
|
|
|
30.8 |
|
|
|
0.85 |
|
|
|
|
93.5 |
|
|
|
2.46 |
|
|
|
|
196.2 |
|
|
|
5.37 |
|
|
|
|
243.0 |
|
|
|
6.33 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
非經營性項目: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
銷售和其他業務的淨已實現收益 |
|
|
|
3.6 |
|
|
|
0.10 |
|
|
|
|
8.2 |
|
|
|
0.21 |
|
|
|
|
6.8 |
|
|
|
0.19 |
|
|
|
|
12.1 |
|
|
|
0.31 |
|
權益證券公允價值淨變動 |
|
|
|
0.3 |
|
|
|
0.01 |
|
|
|
|
30.3 |
|
|
|
0.80 |
|
|
|
|
65.9 |
|
|
|
1.80 |
|
|
|
|
(44.4 |
) |
|
|
(1.15 |
) |
投資減值回收(損失) |
|
|
|
0.1 |
|
|
|
- |
|
|
|
|
(0.8 |
) |
|
|
(0.02 |
) |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
|
(27.9 |
) |
|
|
(0.73 |
) |
償還借款損失 |
|
|
|
- |
|
|
|
- |
|
|
|
|
(6.1 |
) |
|
|
(0.16 |
) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(6.2 |
) |
|
|
(0.16 |
) |
其他非經營性項目 |
|
|
|
- |
|
|
|
- |
|
|
|
|
(1.6 |
) |
|
|
(0.04 |
) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(1.6 |
) |
|
|
(0.04 |
) |
非經營性項目所得税優惠(費用) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(4.0 |
) |
|
|
(0.11 |
) |
|
|
|
(11.6 |
) |
|
|
(0.32 |
) |
|
|
|
21.1 |
|
|
|
0.55 |
|
持續經營所得,税後淨額 |
|
|
|
34.8 |
|
|
|
0.96 |
|
|
|
|
119.5 |
|
|
|
3.14 |
|
|
|
|
257.2 |
|
|
|
7.04 |
|
|
|
|
196.1 |
|
|
|
5.11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停產業務(税後淨額): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停產壽險業務的虧損 |
|
|
|
(0.8 |
) |
|
|
(0.02 |
) |
|
|
|
(0.6 |
) |
|
|
(0.01 |
) |
|
|
|
(2.0 |
) |
|
|
(0.06 |
) |
|
|
|
(2.0 |
) |
|
|
(0.06 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨收入 |
|
$ |
|
34.0 |
|
$ |
|
0.94 |
|
|
$ |
|
118.9 |
|
$ |
|
3.13 |
|
|
$ |
|
255.2 |
|
$ |
|
6.98 |
|
|
$ |
|
194.1 |
|
$ |
|
5.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
18
非GAAP財務指標 |
|
漢諾威使用非GAAP財務衡量標準作為公司經營業績的重要衡量標準,我們認為這為投資者提供了有關管理層對我們經營業績和財務業績的評估的更多信息。該公司的非GAAP衡量標準包括利息支出和税前營業收入、税後營業收入總額、每股税後營業收入總額、每股賬面價值總額、不包括與投資有關的未實現淨收益和虧損的每股賬面價值總額、税後淨值、每股有形賬面價值和營業收入和虧損指標,以及不包括巨災損失的綜合比率(這裏討論的巨災損失包括巨災損失發展)和儲備發展。 |
|
扣除利息支出和税前的營業收入為淨收益(虧損),不包括債務利息支出、所得税和淨已實現和未實現投資損益,其中包括仍持有的股本證券公允價值的變化,因為這些損益的波動是由利率、金融市場和出售時機決定的。扣除利息支出和税項前的營業收入還不包括處置業務、非持續經營、重組成本、會計變化的累積影響和某些其他項目的淨收益和虧損。利息支出和税前營業收入是營業收入(虧損)的總和,這些營業收入(虧損)來自:商業線、個人線和其他。税後營業收入每股收益(有時也稱為每股税後營業收入)也是非GAAP衡量標準。它被定義為不包括已實現和未實現投資淨收益(虧損)的税後影響,以及一段時期內非持續經營和其他非營業項目的結果除以普通股平均稀釋股數的淨收益(虧損)。漢諾威認為,利息、支出和税前營業收入的衡量為投資者提供了衡量公司正在進行的業務表現的寶貴指標,因為它們突出了可歸因於業務核心業務的淨收益(虧損)。 |
|
每股賬面價值是股東權益總額除以已發行普通股數量。每股賬面價值(不包括與固定期限投資有關的未實現淨收益和淨虧損)是扣除固定期限未實現投資收益和虧損的税後影響除以已發行普通股數量後的股東權益總額。每股有形賬面價值是不包括商譽和無形資產的股東權益總額除以已發行普通股數量。 |
|
漢諾威還提供了不包括巨災損失影響的營業收入和損失率的衡量標準。巨災是由自然或人為事件造成的嚴重損失,其中包括颶風、龍捲風和其他暴風雨、地震、冰雹、惡劣冬季天氣、火災、爆炸和恐怖主義。每一次災難都有其獨特的特點。每一次災難在時間或損失金額上都是不可預知的。漢諾威認為,提供排除災難影響的某些財務指標和趨勢,對於投資者理解週期性收益和虧損比率的可變性是有意義的。他説: |
|
上一年的儲量開發,可能是有利的,也可能是不利的,代表着我們對支付前幾年索賠成本的估計發生了變化。我們認為,討論不包括上一年儲量發展的營業收入對投資者是有幫助的,因為它提供了對我們對本年度事故結果的估計和對上一年儲量估計的變化的洞察力。 |
|
不應將扣除巨災損失或儲備開發影響的營業收入、利息、費用和税後營業收入以及營業收入計量解釋為按公認會計準則確定的淨收益(虧損)的替代品。本文件第18頁列出了截至2021年9月30日和2020年9月30日的三個月和六個月的持續經營收入(虧損)與扣除利息支出和税前營業收入(虧損)以及每股持續經營收入(虧損)和每股税後營業收入(虧損)的對賬。不包括儲量開發和/或巨災損失影響的計算損失率的列報不應被解釋為取代根據公認會計原則確定的損失率。 |
|
有關當期財務結果的新聞稿中提供了更多對賬信息,可在公司網站www.hanover.com上查閲。 |
19
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公司辦公室和 |
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截至2021年10月27日的行業評級 |
|
|
轉運劑 |
|||||||||||
主要子公司 |
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|
||||||||
|
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|
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|
||||||||
漢諾威保險集團(Hanover Insurance Group,Inc.) |
|
|
|
|
上午 |
標準 |
|
|
|
計算機股票投資者服務 |
||||||||
林肯街440號 |
|
|
|
財務實力評級 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
|
|
寶箱505000 |
||||||||
馬薩諸塞州伍斯特,郵編:01653 |
|
|
|
漢諾威保險 |
|
|
|
|
|
肯塔基州路易斯維爾,郵編:40233-5000 |
||||||||
|
|
|
|
公司 |
A |
A |
A2 |
|
|
1-800-317-4454 |
||||||||
漢諾威保險公司 |
|
|
|
公民保險公司 |
|
|
|
|
|
|
||||||||
林肯街440號 |
|
|
|
美國的 |
A |
A |
- |
|
|
|
||||||||
馬薩諸塞州伍斯特,郵編:01653 |
|
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|
||||||||
|
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|
|
|
|
|
普通股 |
||||||||
美國公民保險公司 |
|
|
|
|
上午 |
標準 |
|
|
|
|
||||||||
北海蘭德路808號 |
|
|
|
債務評級 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
|
|
漢諾威保險集團公司普通股上市交易 |
||||||||
密西西比州豪厄爾,郵編:48843 |
|
|
|
漢諾威保險集團(Hanover Insurance Group,Inc.) |
|
|
|
|
在紐約證券交易所上市,代碼為“THG”。 |
|||||||||
|
|
|
|
優先債 |
BBB+ |
BBB |
Baa2 |
|
|
|
||||||||
|
|
|
|
附屬債券 |
BBB- |
BB+ |
Baa3 |
|
|
|
||||||||
市場和股利信息 |
|
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|
|
查詢 |
||||||||
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|
||||||||
下表列出了最高收盤價和最低收盤價 |
|
|
|
以上評級是截至2021年10月27日的準確評級,可能是 |
|
|
奧克薩娜·盧卡什耶娃 |
|||||||||||
我們普通股和季度現金的銷售價格 |
|
|
|
由各自的評級機構在任何時候修訂、取代或撤回 |
|
|
高級副總裁 |
|||||||||||
所示期間的股息: |
|
|
|
時間到了。獲取有關以下公司財務評級的最新信息 |
|
|
公司財務 |
|||||||||||
|
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|
|
|
|
|
|
漢諾威保險集團及其附屬公司,請瀏覽 |
|
|
郵箱:olukasheva@hanover.com |
|||
截至的季度 |
2021 |
|
|
|
各評級機構的網站。 |
|
|
|
||||||||||
|
價格範圍 |
|
分紅 |
|
|
|
|
|
|
|
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|
|
|||||
|
高 |
|
低 |
|
每股 |
|
|
|
|
|
|
|
|
|
|
|||
3月31日 |
$ |
133.12 |
|
$ |
112.47 |
|
$ |
0.700 |
|
|
|
|
|
|
|
|
|
|
6月30日 |
$ |
142.80 |
|
$ |
129.83 |
|
$ |
0.700 |
|
|
|
|
|
|
|
|
|
|
九月三十日 |
$ |
142.35 |
|
$ |
127.33 |
|
$ |
0.700 |
|
|
|
|
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|
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|
|
截至的季度 |
2020 |
|
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|
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價格範圍 |
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分紅 |
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高 |
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低 |
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每股 |
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3月31日 |
$ |
140.54 |
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$ |
83.67 |
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$ |
0.650 |
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6月30日 |
$ |
115.06 |
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$ |
84.64 |
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$ |
0.650 |
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九月三十日 |
$ |
107.36 |
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$ |
89.10 |
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$ |
0.650 |
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12月31日 |
$ |
118.34 |
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$ |
93.58 |
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$ |
0.700 |
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20